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Health Savings Checking Account

If you have a High Deductible Health Plan an HSA Checking Account can help reduce out-of-pocket expenses.

  • Medical Expenses Plus Block
    HSA contributions, withdrawals for qualified medical expenses, and asset growth are all tax free.
  • HSA Checking Account Plus Block
    You own and control the money in your HSA Checking Account. Funds can be used whenever you need them. Unused funds rollover from year-to-year, allowing you to save for future medical expenses. The money in your account is also yours to keep, regardless if you switch employers.
  • HSA Plus Block
    Taxable income is decreased by having an HSA, so fewer taxes need to be paid out.
  • My Credit Union Gov Plus Block
    Your accounts are insured by the National Credit Union Share Insurance Fund to at least $250,000. Visit to learn more about your Share Insurance Coverage and to access resources including a Share Insurance estimator tool, publications, videos, and more.

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Qualifying Expenses

Use your HSA Checking Account to pay tax-free for:

  • Conventional medical expenses like doctor visits, prescription medication, dental, and vision care.
  • Treatments not typically covered by insurance including acupuncture, orthodontics, chiropractic care, and fertility treatments.

Note: Over-the-counter medication cannot be purchased with HSA funds without a doctor’s prescription. Additionally, HSA funds used to pay for non-medical purposes will be assessed a 20% tax penalty for the entire withdrawal.

HSA Checking Account Offers

  • No minimum balance, monthly service charge, or per check fees
  • Federal recurring payment, ACH, and payroll deposit-friendly
  • Free Visa® Debit Card
  • Free first box of checks

Health Savings Account Rate


View all rates and disclosures


Verify your eligibility with your insurance provider, but generally you are eligible for an HSA if you are:

  • Covered by a High Deductible Health Plan (HDHP) that does not have co-payments;
  • Not covered under another medical plan that is not an HDHP;
  • Not enrolled in Medicare
  • Not eligible to be claimed on another person’s tax return.

HSA contributions are based on whether you are contributing as an individual or for a family:

  • 2022 Individual - $3,650
  • 2023 Individual - $3,850
  • 2022 Family - $7,300
  • 2023 Family - $7,750
Individuals age 55 and older can also make additional catch up contributions of $1,000 per year.

What info do I need to determine the maximum annual contribution allowance for my HSA Checking Account?

Useful Resources

Use our calculator to compare a Health Savings Account with a traditional health plan.

HSA Calculator